What a Panic Proof Retirement™ plan is

It's a written document, not a pitch. It starts with the income you need each month, then works backward: which accounts pay for it, in what order, at what tax cost, and what happens if the market has a bad year early. Every recommendation is optional. You implement what you agree with.

The two sides

Growth. Managed portfolios in the stock market for the money you won't need for years. Diversified, tax-aware, reviewed annually, with fees shown in dollars.

Protection. Fixed index annuities and guaranteed lifetime income for the money you'll spend in the next five to ten years, so one bad year never changes your lifestyle. Our IncomeMAX™ strategy adds long-term-care doublers and annual resets.

What the plan covers

Income: how much, from where, and for how long
Social Security timing for both spouses
Taxes: Roth conversions, RMDs, withdrawal order, Medicare surcharges
Fees: what you're paying today, in dollars
Risk: which money is protected and which stays invested
Health care, long-term care and legacy

How to start

Book a free 15-minute check-up, in our Bloomfield Hills office, on Zoom anywhere in the country, or on your own television with Advisor in a Box. We'll tell you honestly whether we can help.